Corporate & Personal Insolvency (Company & Individual
Managing financial distress and protecting decision-makers
Financial distress typically develops over time, from covenant pressure and creditor demands through to acute liquidity events and formal insolvency. For companies, late engagement can destroy value and limit restructuring options. For directors and high-net-worth individuals, mismanaged distress can create personal liability and reputational harm.
STA Legal’s insolvency and restructuring team acts for companies, directors, creditors and high-net-worth individuals in contentious and non-contentious insolvency matters. We stabilise situations, explore rescue options and, where formal processes are necessary, seek to maximise recoveries while protecting stakeholders.
Our expertise
Company-side restructuring and insolvency
We advise boards and owners on:
- Early-warning indicators and contingency planning.
- Turnaround options, informal workouts and standstill arrangements.
- Selection and implementation of administration, liquidation, restructuring plans, CVAs and schemes.
- Director duties in the “zone of insolvency” and related personal exposure.
Creditor recovery and insolvency litigation
For secured and unsecured creditors, we:
- Design recovery strategies, including statutory demands and winding-up/bankruptcy petitions.
- Act in claims by or against office-holders (preferences, transactions at undervalue, misfeasance and other antecedent transactions).
- Coordinate cross-border recoveries where assets are located in multiple jurisdictions.
High-net-worth and individual insolvency
We assist entrepreneurs, investors and guarantors with:
- Exposure analysis under guarantees, security and cross-defaults.
- Alternatives to bankruptcy and negotiated settlements.
- Asset-protection strategies compliant with insolvency and transaction-avoidance rules.
Insights and thought leadership
Illustrative topics for client briefings and training:
- Board decision-making in the zone of insolvency.
- Creditor toolkit – choosing between restructuring, enforcement and insolvency processes.
- Cross-border insolvency for owner-managed and mid-market groups.
Contact us
Contact us promptly if you are facing financial distress or seeking to maximise recovery as a creditor.